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Wednesday, June 1, 2022

Mobile Home Insurance - You Need Protection Whether Your Home is On Wheels or Grounded

Mobile home insurance can be confusing, which is why an independent insurance agent can help clear things up and find you a great insurance policy. This article is courtesy of Trusted Choice.  You may view the whole article here: 

To start, let's talk a little more about mobile homes because they don't always come on wheels. 

What Is a Mobile Home?

A mobile home, also called a manufactured home, is a four-walled structure that’s built in a factory and delivered to you to live in. It can remain “on wheels” or not, and in some cases, it can be built on a permanent slab for safekeeping. Just keep in mind that the more “secured to the ground” it is, the more insurable it is.

And similar to a manufactured home, but different, is a modular home. Modular homes are also built inside of a factory. But unlike mobile homes, they are brought to a permanent location in bigger chunks and assembled on-site. 

A modular home, depending on the insurance company, can sometimes be classified as a manufactured home and sometimes as a site-built home if it’s built on a foundation.

What Is Mobile Home Insurance?
Mobile homes are typically made with different materials than today’s site-built homes. Since they're created in a factory and then transported, the materials need to be much lighter. Unfortunately, lighter materials are easier to damage, so mobile home insurance takes this into consideration. 

What Does Mobile Home Insurance Cover?

Similar to homeowners insurance, mobile home insurance coverage begins with the three most common and basic coverages that any homeowner should have: 

  • Property coverage: Protects you from any big loss to your property due to fire, natural disasters, etc.
  • Liability coverage: Protects you financially if someone files a claim or lawsuit after getting hurt in your home or on your property.
  • Contents coverage: Protects all of your possessions in the event of theft or natural disaster-related damage

Now the amount of coverage you’ll need depends on a number of factors, the most important is probably the value of your home and its contents. 

If your mobile home is involved in a claim, there are two ways you can choose to be reimbursed:

  • Actual cash valueCompensation based on the value of your structure in the current market which takes into account depreciation. (Mobile homes depreciate very fast, just like a car.)
  • Replacement value: Compensation for the amount it would cost to rebuild the structure to its original condition with similar materials. 
To help you through the maze of coverages, carriers, premiums, and find ways to save money on your insurance, contact your Trusted Choice agent, SouthGroup-Gulf Coast , SERVICE TEAM: Angelyn Treutel Zeringue, Tammy Garfield, Tammy Hogue, Denise Russell, Melissa Moran, Alex Treutel, Mark Strickland,  Anne Gillam, Michael Scardino, Joey Eagle, Cody Barnes, Wendy Butler and Melinda Teaford at SouthGroup Gulf Coast. You can reach us by snail-mail: 412 Hwy 90, Suite 6, Bay St Louis MS 39520 or 2505 Pass Road, Biloxi MS 39531;  email:, phone or text:228-466-4498 or 228-385-1177, fax:888-415-8922, FaceBook We have 2 Gulf Coast locations to serve you - 2505 Pass Road - Biloxi and 412 Hwy 90 Ste 6-Bay Saint Louis, MS.

We offer the following Lines of Coverage: Workers Compensation, Auto, Home, Life, Health, Disability, Motorcycle, Boat, Wind, Flood, Commercial Property, General Liability, Directors and Officers Liability, Bonds, Group and Individual Life/Health/Dental/Disability/ Vision/Long Term Care, Business Owners, Builders Risk, Commercial Crime, Errors and Omissions, Dwelling Fire, Commercial Flood, Group Accident, Garage Dealers, Inland Marine, Law Enforcement Liability, Pollution Liability, Professional Liability, Personal Umbrella, Commercial Fire, Commercial Umbrella, Excess Flood, Identity Theft, more…

We serve Mississippi, Louisiana, Alabama, Florida, Georgia, Tennessee, Texas and many other states. We specialize in coastal exposures.
Insurance is stressful, but we make saving easy.  We help you save money on insurance!
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